Beneficiary has had ATM & cell phone access to his funds for years and the bank never caught on or monitored these accounts. He's been committing account takeover of rep payee's account because she is old and and it's her son taking it. But the deposits are still illegal, there's account overages of the limit, mixing of their benefits, and other illegal acts. Brought it to bank managers attention and asked her to look at elders history. No bills paid, pay day loans consuming all of her money every month. Then following day made police report with copies of statements. Come to find out the cop put me AS THE SUSPECT! With social security's rules/laws regarding these accounts and the banks rules/regulations why won't they charge the REAL suspect? Or investigate him? I was only the messenger. Or are these rules/regulations/laws just a bunch of baloney?